SMSF Property Finance Calculator

Model a commercial SMSF loan (LRBA) or a unit-trust loan — see the loan, repayments, cashflow and ownership split.

Commercial LRBA
SMSF borrows for commercial property

Trust Loan (Strategy B)
A unit trust borrows

Your numbers

Property price

SMSF cash available (deposit + purchase costs)

Purchase costs (stamp duty, legals)

Total equity raised (unit subscriptions, all holders)

Purchase costs (stamp duty, legals)

Unit ownership split (%) — must total 100; related parties (SMSF + members) must be ≤ 50%

SMSF

Members

Unrelated

Interest rate

Loan term (years)

Gross annual rent

Annual property expenses (rates, insurance, mgmt)

Annual super contributions (help service the loan)

The result

Loan amount

$520,000

Loan-to-value (LVR)65%

Repayment (P&I, monthly)$3,740

Repayment (annual)$44,880

Net rent after expenses$43,000

Annual cashflow (rent − exp − repay + contrib)+$18,120

PositionSurplus

Compliance — related parties ≤ 50%

Trust net income (rent − exp − interest)$0

→ SMSF share (taxed 15% / 0%)$0

→ Members' share (marginal, less interest)$0

→ Unrelated investors' share$0

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General information only — not financial, tax or legal advice. Figures are estimates based on your inputs and do not account for your full circumstances, lender policy, fees or taxes. SMSF property structures are complex; obtain advice from a licensed SMSF specialist, accountant and lawyer before acting. A 13.22C unit trust must not borrow — trust-level borrowing applies only to a 50% related-party fixed unit trust (Strategy B).